Money making matter of note?

I put a complaint up and got half a reply. I got sent a full statement at least. No explanation was provided on why they couldn't increase the debit amount to add the arrears amount or why after the debit order ran for over two years it was canceled, marked as a default or as to how an account can be handed over that is being paid. The statement is also interesting. Original capital balance R39 207.50. Total paid to direct axis R53 074. 02 Still due R33 375. 59. That means the total interest and penalties, just to date adds to R47242.11. This is way higher than the capital amount? Also the normal interest reflects higher than the original amount agreed to? Interest is added onto interest? I have requested and called to get a copy of the original contract, which seems to be a process as well. I am going to ask the ombudsman to advice me as well as FNB to look into this. I never denied an arrears amount in 2020 when I had a bank issue, I tried to make arrangements but couldn't be assisted with a higher debit order or correct details to do an EFT, I have paid the normal debit order without fail since with mounting fees. And while doing this the debit order is just stopped to add more fees? I have asked what a settlement would be but got no reply.